Insurance
Please find below a list of common insurance enquiries. The questions have been sorted under the following 3 headings:-
1. General
2. Public and Products Liability/Professional Liability
3. Personal Accident
30th November 2010 at 4pm Local Standard Time to 30th November 2011.
Public and Products Liability, Professional Liability and Personal Accident (Sports Injury) insurance.
This program covers all financial members, temporary members (for events), officials, accredited coaches, event promoters and race directors, executives and volunteers of Cycling Australia, BMX Australia and Mountain Bike Australia.
Coverage is provided automatically as part of your State Cycling, BMX or Mountain Biking club membership. For membership enquires please contact your State Cycling or BMX Association or Mountain Bike Australia.
Is Building or Property Insurance (i.e. fire and theft) provided under the National Program?
No, your premises and its contents, as well as your bikes are not covered under this Program for any material damage or theft. If you would like a quotation for this type of insurance please contact Willis Australia on (02) 9285 4000 or send us an email to sports.au@willis.com
a) Ensure that all participants are registered members of the State Cycling or BMX Association or Mountain Bike Australia prior to commencing their activities.
b) Actively encourage coaches to undertake accreditation courses.
c) Keep an injury register/record of all injuries sustained in any Cycling, BMX or Mountain Bike related activity. (Accident report form)
d) Ensure that you are incorporated (and maintain your incorporated status) and that your bylaws are current and up to date (including the provision of appropriate Discipline and Grievance clauses and Procedures).
Please address any complaints regarding the Cycling Australia, BMX Australia and Mountain Bike Australia Insurance Program to Willis Sport and Leisure via email to sports.au@willis.com or mail to PO Box Q216, QVB Post Shop 1230
Willis is the insurance broker that have organised this insurance program on behalf of Cycling Australia, BMX Australia and Mountain Bike Australia. They act of behalf of Cycling Australia, BMX Australia and Mountain Bike Australia and not any insurer. Willis is one of the world’s largest insurance brokers. They have operated in Australia for almost 50 years, with offices in all States and the Australian Capital Territory. More information on Willis can be obtained by visiting www.willis.com
2. PUBLIC AND PRODUCTS LIABILITY INSURANCE/PROFESSIONAL LIABILITY
Public and Products Liability insurance is designed to protect you in the event that you are sued by a third party for injuries caused to them or any damage caused to their property. Public Liability insurance will cover the cost of compensation to the third party, should you be found negligent including any associated defence costs. (24 hours, 7 days a week)
Products liability insurance will cover you in the event that any goods that you supply cause injury, illness, loss or damage to a member of the public. This could include food prepared and sold at a fundraising day.
Professional Liability insurance will cover you in the event that you are sued by a person who claims they were injured as a result of your professional negligence. This insurance mainly provides cover for registered coaches or instructors who give advice when a member is training or competing in an event.
There is a $1,000 excess for each and every occurrence for Public and Products Liability Property Damage and Professional Liability claims.
The payment of the $1,000 excess is the responsibility of the defending party and will not be paid by Cycling Australia, BMX Australia or Mountain Bike Australia.
Administration, promotion, organisation and participation in Cycling, BMX or Mountain Biking activities including sanctioned training sessions and training camps, coaching, the rendering of first aid, provision of food and drink, publication of newsletters, sale of merchandise, property owners or property occupiers liability, social activities including awards presentations, fundraising, BBQ’s and other social gatherings.
Please note that some fundraising and extreme training techniques may not be covered by the definition of “Activities Covered” in this policy e.g. bungee jumping, car rallies, bull riding rodeos etc. Please contact Willis on (02) 9285 4000 if you are unsure as to whether you require insurance cover for any other activities.
Sanctioned activities are those activities that are approved by Cycling Australia, BMX Australia, Mountain Bike Australia or their affiliated State Associations or Clubs. Sanctioned activities include events that are organised by these groups. Training sessions are designated to be sanctioned if they are recorded in a book, prior to the training session commencing.
How can we prove that we have Public Liability Insurance? If you are asked to provide proof of insurance by anyone (e.g. local council or a property owner) you will require a Certificate of Currency. Cycling Australia and BMX Australia Certificates of Currency are available from Cycling Australia. Mountain Bike Certificates of Currency are available from Mountain Bike Australia.
Is the Association/Club covered for any fundraising events that we may have throughout the season?
Yes, Association and club fundraising activities are automatically covered under the National Insurance Scheme. These activities may include but are not restricted to trivia nights, presentation nights, membership drive sausage sizzle at the local shops etc. However, some activities such as the use of jumping castles could be excluded under the policy. Please refer to Willis for confirmation that the activity is covered.
No, external contractors should carry their own public liability insurance.
a) Thoroughly read any agreement before signing.
b) Some council’s may ask you to sign a lease which states that the council will not be held liable in the event of injury arising as a result of use for training or events. There is a policy exclusion on your Public Liability policy if you sign an agreement which contains such “Indemnity and Hold Harmless” clauses.
Should you find any Indemnity/Hold Harmless clauses in the agreement please refer to Willis on (02) 9285 4000 or sports.au@willis.com. We will advise you on the correct wording to insert into the lease agreement.
3. PERSONAL ACCIDENT
Personal Accident insurance is a policy that covers you in the event that you are injured whilst participating or travelling to or from training or events that are sanctioned by Cycling Australia, BMX Australia or Mountain Bike Australia or their affiliated State Associations or clubs. The policy will pay out an income or a lump sum in the event of disability, disablement or death, caused by an accident. Members are covered for any activity involved with cycling 24 hours a day, 7 days a week. Cover includes $3,000.00 Non Medicare expenses in an event or $1,500.00 while riding or training.
The Personal Accident policy covers items such as death, disablement, non-Medicare medical expenses, loss of income, student tutorial costs, domestic home help costs and parental assistance. You are covered for injuries even if the accident was your fault.
Cover applies in the following circumstances:
a) Competing in official club, state and national events
b) Organised training or practice sessions for activities as described in (a) above.
c) Travelling directly between activities in (a) or (b) above, and your residence or place of employment.
d) Staying away from your home district during a tour for the purpose of participating in sanctioned activities
e) Engaging in voluntary, administrative or organised social activities of Cycling Australia, BMX Australia or Mountain Bike Australia or its affiliated Associations or Clubs.
This is a personal decision. However, it must be remembered that the personal accident cover is limited to keep the costs as low as possible.
a) Advise your club official who will arrange for an incident report form to be completed. Click here to view
b) For Cycling Australia and BMX Australia members, complete a claim form available by contacting Cycling Australia on 02 9339 5800 and submit to Cycling Australia at PO Box 6310 Alexandria. NSW. 2015.
For Mountain Bike Australia members, complete a claim form and submit to Mountain Bike Australia at PO Box 17, MIRANI QLD 4754.
If you have any questions or require assistance, please contact Willis Insurance brokers on (02) 9285 4000
Please contact Cycling Australia, BMX Australia or Mountain Bike Australia on (02) 9339 5800
A claim form should be completed and submitted to Cycling Australia, BMX Australia or Mountain Bike Australia as soon as you become aware that you will be making a claim.Cycling Australia will forward the claim form directly to Willis Insurance once verification of membership is confirmed and noted. You do not have to wait until after you have completed treatment for your injury. Please note that any treatment rendered necessary by injury must be completed within 12 calendar months from the date of such injury occurring for expenses to be covered.
No, the Health Insurance Act (Cth) 1973 does not permit the Insurer to contribute to any charges covered by Medicare (including the Medicare Gap). This means that any charges for treatment from a Doctor, Surgeon, Anesthetist or Surgeon's Assistant are not covered. It also means charges for X-Ray, some MRI Scans (if Medicare registered) and Public Hospitals are not covered. In addition, there will be no refund in respect of:
a) any expenses recoverable by You from any other insurance scheme or plan providing medical or similar coverage or from any other source except for the excess of the amount recoverable from such other policies/plans.
b) any expense to which the National Health Act (Cth) 1953 or any of the regulations made there under apply.
Capital Benefits section: Maximum Benefit
Insured Persons Aged 2 to 85 years $ 50,000
Insured Persons Under 18 – Accidental Death Only $ 10,000
Non-Medicare Medical section:
Insured Persons aged 2 to 85 years.
Loss of Income
Insured Persons up to 65 years.
52 weeks.
There is a nil excess in respect to making a claim for non-Medicare medical treatment. If you are making a loss of income claim you are subject to a 14 day elimination period which also takes into account any accrued sick leave or other entitlements. This means that any loss of income during this period is not claimable.
Yes, Ambulance transport is a non-Medicare medical expense and as such covered under the Personal Accident section of the Program (up to the limits that you are entitled to).
You must initially claim on your Private Health Insurance and then claim on the National Program for any non-Medicare medical costs that exceed the limits of your Private Health Insurance.
Yes, you can claim loss of income benefits if you work on a full time, part time or casual basis. The weekly accident benefit is 75% of your net weekly income up to a maximum of $500 per week, whichever is the lesser. Please note that your employer needs to complete the loss of income section of the claim form.
Can I make more than one claim during the year?
Yes, you can make more than one claim during the year. It is important however, that you obtain a clearance from your treating physician prior to returning to cycling, BMX riding or mountain biking.
Example of a Medical Claim
(Government legislation does not allow General insurers to cover any costs subject to a Medicare rebate)
| Private practitioner visit | Covered by Medicare |
| Surgeon | Covered by Medicare |
| X-Ray/MRI | Covered by Medicare |
| Anesthetist | Covered by Medicare |
| Public Hospital Accommodation | Covered by Medicare |
| Private Hospital Accommodation (3 days @ $500) | $1,500 |
| Physiotherapy @ $50 per visit | $450 |
| Sub Total | $1,950 |
| Benefit Selected - 80% | $1,560 |
| Loss of Income - 12 weeks @ $500 per week (less 14 day excess) | $5,000 |
| Total Claim Payment | $6,560.00 |
